SKRIPSI PBS
Antecedents of Muslim Students` Decisions To Use Islamic Digital Banks
Abstract
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The primary objective of this research is to examine the many elements
that influence the decision of Muslim students when it comes to utilizing
Islamic digital banking services. This study explains the Theory of Planned
Behavior (TPB), focusing on attitude, subjective norm, perceived
behavioral control, supplementary exogenous variables, digital
marketing, brand image, digital financial literacy, and the intention to use.
This research uses a quantitative PLS-SEM approach. The data collection
technique used questionnaires distributed online to respondents, namely
Muslim students who live in Solo Raya, and a total of 384 respondents
participated. The findings indicated that each exogenous variable
influenced the intention to use; Intention to use proved influential in
Muslim students' decision to use Islamic digital banks. Perceived
behavioral control, brand image, and digital financial literacy affect
Muslim students' decision to use Islamic digital banks. Attitude, subjective
norms, and digital marketing are unaffected by the decision of Muslim
students to use Islamic digital banks. Intention mediates the indirect
influence of exogenous variables on Muslim students' decisions to use
Islamic digital banks. Islamic digital bank service providers must increase
the use of digital marketing and maintain a good brand image. This will
increase usage intentions so consumers can switch and continue using
Islamic digital banks for transactions.
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